Berkshire Hathaway Specialty Insurance vs 
Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?
Berkshire Hathaway Specialty Insurance lists energy, manufacturing, and trucking among its U.S. umbrella/excess targets, subject to restrictions and underwriting. Relm describes excess liability for large fleets, significant public interaction, large contracts, and high-risk industries including energy, manufacturing, and transportation; the examples do not guarantee eligibility. 6,9
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance page
What Is Relm Insurance?
Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. 7,8
Read the Relm Insurance profile
Read the Relm Insurance Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 10,11,12,13,14
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Relm Insurance Umbrella and Excess Liability Insurance?
Target Industries and Exposure Types
Berkshire Hathaway Specialty Insurance lists energy, manufacturing/distribution, and trucking among U.S. umbrella/excess targets, subject to restrictions and underwriting. Relm identifies energy, manufacturing, and transportation as high-risk industries and describes large fleets, significant public interaction, and large contracts as higher-than-average exposures. Both cite energy/manufacturing/transportation operations, with Relm also giving exposure examples; neither statement guarantees eligibility for a specific company. 6 9
Excess-Layer Function
For selected U.S. casualty risks, Berkshire Hathaway Specialty Insurance’s guide lists lead umbrella, follow-form excess, and retained-limit forms. Relm describes excess liability as additional protection after underlying liability-policy limits are exhausted. Both describe an excess layer in relation to underlying coverage: BHSI lists potential forms and Relm states the exhaustion relationship. 5 9
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Relm Insurance Umbrella and Excess Liability Insurance Quotes?
Berkshire Hathaway Specialty Insurance and Relm Insurance Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsRelm Insurance Review Score
Review Score
No reviews found
We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.[9]
Read Relm Insurance reviewsBerkshire Hathaway Specialty Insurance vs Relm Insurance Umbrella and Excess Liability Compared
Berkshire Hathaway Specialty Insurance vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Lead umbrella and excess casualty | Relm Excess Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 9Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for excess liability placements. 9Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. 6Company-reported. BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite. | Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. 9Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company. |
| Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. 6Company-reported. US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting. | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. 9Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control. |
| Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. 5Company-reported. Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. 9Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research. |
Related Pages for Berkshire Hathaway Specialty Insurance vs Relm Insurance
Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and Relm Insurance
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Relm Insurance
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs Relm Insurance
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
- Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
Sources About Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Casualty Insurance. Relm Insurance; What is Excess Liability Insurance? Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
